3Semana·

From the dividend runway to the 30k landing: My 2024 financial statements

superheroman · 2024-12-31T09:34:44.483274Z

Rückblick auf ein spannendes Börsenjahr Das vergangene Jahr war für mich ein echter Meilenstein in vielerlei Hinsicht. Auch wenn ich in letzter Zeit weniger gepostet habe, war ich keineswegs untätig. Vielmehr habe ich meine Strategie „div & hodl“ konsequent umgesetzt und konnte damit gleich mehrere persönliche Ziele erreichen. So habe ich beispielsweise die 25'000 CHF-Marke hinter mir gelassen – und kurz darauf auch die psychologisch wichtige 30'000 CHF-Linie übersprungen! Meine aktuelle Strategie und Dividenden-Meilensteine • Core Portfolio (70/30): Den Kern bilden zwei ETFs – ein All-World-ETF ($VWRL) und ein Emerging-Markets-ETF ($VFEM ). • Dividenden-Ziele: Seit dem 11.12.24 ist mein erstes Ziel von CHF 250 pro Jahr abgehakt. Das nächste Zwischenziel heisst CHF 500 und darauf folgen CHF 750 bis hin zur angestrebten CHF 1'000 pro Jahr. • Krypto: Neben meinen ETF-Investments bin ich weiterhin dabei, den Krypto Posten zu Besparen – eine kleine, aber feine $BTC -Position via Dollar-Cost-Averaging (DCA). Ausblick: Wohin die Reise geht Für das kommende Jahr plane ich, meine Dividendenziele weiter anzugehen und die 500-CHF-Marke zu überschreiten. Das bewährte 70/30-Verhältnis möchte ich beibehalten, wobei ich jede ca. vierte Monatsspanne für ein Rebalancing nutze. Darüber hinaus bleibe ich bei meinem BTC-DCA-Ansatz am Ball – auch wenn Krypto definitiv nichts für schwache Nerven ist, gehört es für mich in kleiner Dosis zur Diversifikation dazu. Fazit Geduld, Kontinuität und ein klarer Plan: Das sind die Zutaten, mit denen ich in diesem Jahr meine Finanz-Meilensteine erreicht habe. Vom ersten Dividendenziel (250 CHF/Jahr) über die 25k-Grenze bis hin zu 30k – das alles zeigt, dass langfristiges Investieren immer noch am besten funktioniert, wenn man am Plan festhält und trotz Marktschwankungen stetig investiert. Ich freue mich auf das nächste Börsenjahr und bin gespannt, welche Hürden wir gemeinsam als Community nehmen werden. Stay invested und guten Rutsch ins neue Jahr! #etfs #dividends #crypto Quelle Bild: DALL·E

Review of an exciting year on the stock market

Last year was a real milestone for me in many respects. Even though I have posted less recently, I have by no means been idle. On the contrary, I consistently implemented my "div & hodl" strategy and was able to achieve several personal goals at the same time. For example, I passed the CHF 25,000 mark - and shortly afterwards also crossed the psychologically important CHF 30,000 line!

My current strategy and dividend milestones

-Core portfolio (70/30): The core consists of two ETFs - an all-world ETF ($VWRL (+0,09 %)) and an emerging markets ETF ($VFEM (-0,2 %) ).

-Dividend targets: Since 11.12.24 my first target of CHF 250 per year has been ticked off. The next interim target is CHF 500, followed by CHF 750 up to the target of CHF 1,000 per year.

-CryptoIn addition to my ETF investments, I am continuing to save in crypto - a small but nice $BTC (-0,93 %) -position via dollar-cost averaging (DCA).

Outlook: Where the journey is going

For the coming year, I plan to continue working towards my dividend targets and exceed the CHF 500 mark. I want to maintain the tried-and-tested 70/30 ratio, using every quarter or so for rebalancing. In addition, I'm staying on the ball with my BTC DCA approach - even though crypto is definitely not for the faint-hearted, for me it is part of diversification in small doses.

Conclusion

Patience, continuity and a clear plan: these are the ingredients that have helped me achieve my financial milestones this year. From the first dividend target (CHF 250/year) to the CHF 25k threshold to CHF 30k - it all goes to show that long-term investing still works best when you stick to your plan and invest steadily despite market fluctuations. I am looking forward to the next stock market year and am excited to see what hurdles we will overcome together as a community.

Stay invested and happy new year!

#etfs

#dividends

#crypto

Source image: DALL-E

14 Comentarios

3Semana

The FTSE is already 70/30, so why add the EM? (Correction: EM is only 10%)

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superheroman@superheroman

3Semana

@Ridick The FTSE All-World does include EM, but only just under 10-12%. I would like to weight the emerging markets a little more heavily and this gives me around 70% (developed markets) to 30% (EM). I therefore supplement the FTSE All-World with a separate EM ETF.

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Epi@Epi

3Semana

@superheroman Why 30% EM and not 25% or 35%?

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superheroman@superheroman

3Semana

@Epi 30% is simply my personal sweet spot. I am aware that there is no perfect figure and that 25% or 35% could be just as justifiable. Ultimately, it's a question of risk profile and personal conviction. I wanted to weight EM more heavily than in the All-World, but not too heavily, so I opted for 30%

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Dude@Ridick

3Semana

@superheroman then I would have chosen msci right away, if you are also investing in EM anyway... FTSE is all about not having to rebalance.

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superheroman@superheroman

3Semana

@Ridick For me, FTSE and MSCI are both good options. I like the fact that I remain flexible with the separate EM ETF: I can adjust the weighting at any time or even take it out completely if I want to. I don't see rebalancing as a major additional expense. In the end, it's simply a question of personal preference and my risk profile.

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0LIV3R@PIXELINVESTOR

3Semana

@superheroman That's exactly how I see and do it ✌🏻 but for me it's $IWDA and $AE5A 😎

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TAHT@TAHT

3Semana

Nice portfolio!! :) Quick question — where do you buy and store your BTC?

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superheroman@superheroman

3Semana

@TAHT Thanks! I buy and store them with the Swiss broker Relai. Their setup is straightforward, and they offer a non-custodial wallet so I can stay in full control of my BTC.

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TAHT@TAHT

3Semana

@superheroman Thanks for letting me know! :)

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Epi@Epi

3Semana

Patience is of course easy when things are basically only going up, as in 2024.
What about a 50% drawdown?

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superheroman@superheroman

3Semana

@Epi When everything is rising, it's easy to hold on. The real test comes at -50%: do I stick to my plan? Personally, I would continue and use DCA as long as the fundamentals are right. Fluctuations are part of it - and a drawdown can also be an opportunity to buy at a good price.

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Epi@Epi

3Semana

@superheroman This will be a test for you! The problem is not so much a deposit level at -50%, but rather the path from -20% to -40%. When you see your deposits disappear over months in the first few days and it keeps going downhill with no prospect of improvement. This is psychologically tough. Very few people are familiar with the situation and know how to react.

I know that I don't tolerate them well and have therefore devised strategies to avoid them. In the end, we are smarter or richer, never both. 😬

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superheroman@superheroman

3Semana

@Epi You're absolutely right: the gradual fall from -20% to -40% can be more nerve-wracking than simply looking at -50%. In the end, it is precisely this longer dry spell process that shows whether my strategy and risk tolerance really suit me - and whether I have the discipline to stick with it despite the red figures. I also try not to constantly look at the portfolio, but to rely on the long-term process. I've been involved in the stock market for around eight years, but have been out of it in between because I needed liquidity. I also had to endure longer negative phases in my 3rd pillar (pension option) - I've been building up my portfolio there since 2018. All of this has shown me that keeping calm and sticking to your plan is often the best way forward.

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